HoA master policy: https://imgur.com/a/iDrDp8W
I recently bought a townhome(condominium) with a single shared wall. My realtor and loan officer says that I need homeowner’s policy as insurance on exterior structure is not covered in HoA’s master policy. However, I do see Property coverage with “Blanket Building” ticked in image attached above.
I am confused whether I should take condo(walls in) or homeowner’s(full coverage) policy?